In 2026, the FHA loan limits for Palm-Springs county in Riverside, CA are $477,250 for a single-family home, $610,950 for two-unit homes, $738,500 for those with three units, and $917,800 for four-unit dwellings.
For conventional loans, the cap on a single-family residence is $548,250. It increases to $702,000 for two-unit homes, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to access today's best FHA rates and calculate the necessary downpayment, income, credit, reserves, and required documentation.
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The Lendersa® calculator allows you to compare FHA rates and terms with other loan offerings, including Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans. Use this tool to explore a wide range of options.
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Check out the Loan Limits Comparison Table for 2026 in Palm-Springs county, Riverside, CA. It's excellent for comparing maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM) products. For insights on income, reserves, and credit qualification requirements, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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